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Eng S. is 31 years old. She is married and lives with five children in Kampong Cham, Cambodia. Since 1995, she has been growing rice to make a living, and she earns roughly US $1.5 each day. She explains that planting rice is difficult because of poor weather conditions. She works very hard, but isn’t able to make a lot of money to support her family members, as she sometimes faces problems with availability of enough water for her rice plantation. She explained to a loan officer that even during the rainy season there is sometimes not enough water for her rice plants.

Inflation is another one of the main obstacles that all farmers face. With skyrocketing prices of agricultural products, such as fertilizer and rice seeds, many farmers cannot afford the tools of their trade, and it becomes harder to make a profit.

Eng’s husband, Seng Nat, is a fisherman. He has been catching fish since before they were married, and he earns about US $3.5 each day. He learned to fish by following his neighbors down to the river every day and learning the skill from them. This is how he acquired the knowledge to be a successful fisherman, and he then started his own business.

Mrs. Eng S. is requesting a loan from Kiva via the local partner CREDIT, to purchase more fishing tools for her husband. (Her husband, Seng, is pictured above in front of their home.)

Additional Information


KREDIT Ltd. is one of Kiva’s most established partners in Southeast Asia. The organization empowers the economically-active poor and small entrepreneurs by providing inclusive financial services. Beyond loans, KREDIT offers low-income clients complementary training in debt management, savings and budgeting. In addition, KREDIT partners with NGOs to offer training in primary health care, agricultural techniques and HIV/AIDS awareness.

For more information on KREDIT, please visit its partner page. If you would like to engage more with KREDIT and its borrowers, you can also join its lending team, KREDIT MFI Cambodia.

About Cambodia

  • $2,600
    Average annual income
  • 217
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Eng to purchase fishing tools.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 11, 2008
Sep 27, 2008
Currency Exchange Loss:
May 15, 2010